Total Funds is a service that assesses the current state of your wealth and how it has changed over 7 years, including non-financial assets such as real estate or a car.
Besides building new features, I took it upon myself to kick off a sync effort so that the same entities would look consistent across all of SberBank Online. Otherwise, we’re piling on cognitive load for no good reason.
Next problem: the service doesn’t do the very thing it claims to do — show how your wealth changes over time.
After a good long stare, you might work out that it’s a bar chart. In fact, it’s a fundamentally different way to analyze your wealth: at the very least, to see whether it’s growing; at best, to compare returns across different instruments.
The pie chart starts at the bottom, which is odd. We did research on this — people like charts. The interesting part is that in practice, the pie chart barely gets used as an analytical tool. It’s more like eye candy for big boys and girls.
Redesign
One more point in favor of a redesign: Sber is planning the biggest overhaul of its apps for 2025 and beyond. That means we can start preparing now and have a hand in shaping the new vision.
Specs
I audited the cells for every banking product, and we put together a single set of usage rules.
Animations
The app’s animations in action.
Transitions
A sense of depth through transitions
Pie chart
Showing the zero point
Continuity
Keeping the chips, but rethinking them
Trends
Adding tabs to split out functionality
Scaling
Armed with a trusty spreadsheet, we adapt.
Design system
The differences are minimal, thanks to the design system team. And a second shout-out to the same team for switching to dark mode on the fly.
Assets outside Sber
Real estate and personal property make up a significant part of a customer’s total funds, so our team focused on building new functionality for them. We could already save an asset’s name and value to the database, but those entries weren’t validated, so there was nothing more we could do with them.
The main challenge was integrating with external services. Design’s job was to hide the seams as much as possible.
We learned to verify whether a property actually exists, with help from our colleagues at DomClick (Sber’s real estate service). And to motivate users to share their data, we feed their curiosity about what similar properties are worth on average.
SberAuto’s interest was that we’d promote their quick car buyback service. The user’s interest is an average market valuation; ours is getting their property digitized. A win-win-win.
What’s next?
This functionality grew into a standalone service with its own team. I’d like to show a couple of sketches of where the service could go from here.
